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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $40,514 | $82,674-51.0% | $125,381-67.7% | $68,486-40.8% |
| Participation rate | 76.6% | 75.1%+1.5pp | 82.4%-5.8pp | 67.9%+8.7pp |
| Annual return | -9.46% | -5.97%-3.5pp | 572.31%-581.8pp | -7.85%-1.6pp |
| Employer contribution / active EE | $2,918 | $3,382-13.7% | $4,815-39.4% | $2,597+12.4% |
| Participant deferral / active EE | $6,907 | $6,111+13.0% | $7,448-7.3% | $4,028+71.5% |
| Admin fee / account holder | $3,558 | $6,277-43.3% | $10,007-64.4% | $5,404-34.1% |